| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +1.3% | -7.8 pts |
| Share growth (YoY) | -7.8% | +0.9% | -8.7 pts |
| Loan growth (YoY) | -13.9% | -2.6% | -11.3 pts |
| ROA | 1.51% | 0.65% | +0.9 pts |
| ROE | 15.9% | 4.4% | +11.5 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.0M | $37.5M | $27.8M | $3.9M | $310K | 1.51% | 4.66% | 1.57% | 2,859 |
| Q1 2026 | $41.7M | $37.9M | $28.7M | $3.8M | $194K | 1.86% | 4.60% | 1.45% | 2,862 |
| Q4 2025 | $41.2M | $38.0M | $29.3M | $3.6M | $493K | 1.20% | 4.40% | 2.30% | 2,899 |
| Q3 2025 | $41.8M | $38.5M | $30.8M | $3.4M | $408K | 1.30% | 4.77% | 1.80% | 2,915 |
| Q2 2025 | $43.9M | $40.7M | $32.3M | $3.2M | $52K | 0.24% | 3.97% | 1.60% | 2,891 |
| Q1 2025 | $44.3M | $41.2M | $33.2M | $3.1M | $6K | 0.05% | 3.88% | 2.01% | 2,961 |
| Q4 2024 | $42.8M | $39.7M | $34.2M | $3.1M | $16K | 0.04% | 3.68% | 1.63% | 2,989 |
| Q3 2024 | $43.8M | $40.7M | $35.3M | $3.1M | $10K | 0.03% | 3.54% | 1.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,018 |
| Q2 2024 | $44.9M | $41.8M | $36.0M | $3.0M | $-41K | -0.18% | 3.33% | 1.07% | 3,012 |
Loan mix (Q2 2026): real estate $3.1M · commercial $0 · consumer $20.0M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 80.6% | 11th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (+2 vs 2025). Biggest market: Rapides, LA, ranked 16th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rapides, LA | 4 | $37.5M* | 0.97% | 16th |
Louisiana: 176th with 0.02% · Alexandria metro: 17th, 0.93% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 2 · 2026 4